debt-free

Recently I got to thinking about how we as Americans, in general, think nothing of being in debt. Nowadays it seems as if owing someone money is an accepted way of life. To not have a credit card is more unusual than having one. I have lost count of how many credit card offers I threw away last month.

When my children were little I remember having one of those money conversations with them. We were wanting to do something together which would have been fun for all of us and which would have been a good thing to spend money on in my opinion. But the money just wasn’t there.

So I was trying to explain to my children how we would need to wait until I had the money for this opportunity. One of my children popped up and said, “Just write a check, Mom.” I explained that in order to write a check I had to have money in the bank to cover the check.

“Just use your credit card,” they said. So I began to explain how with a credit card I would still need to have the money to pay it off when the bill came. This was just one of the many conversations needed to help my children understand that we can’t just have what we want whenever we want it. Sometimes we just have to say no to ourselves and to others.

Being in debt or owing another party for the use of their money has become a way of life for many of us in this country. Borrowing money is how we buy a car or purchase a house. We even borrow money to send our children to college.

Perhaps one of the reasons our country is struggling is because we have ignored the description of life in Christ which says, “Owe no man anything but to love one another.” It would be quite radical if all of a sudden every debt was forgiven and people shared freely with one another rather than expecting payment with interest in return.

This seems rather Pollyanna-ish, doesn’t it?

The breaking in of the kingdom of God in our world often takes on forms such as these. In loving one one another rather than using one another, the kingdom of God receives its full expression. When someone forgives a debt or offers to pay in our place we experience the real presence of the Living Lord. When people freely offer financial and physical help to one another even when it’s not deserved, this manifests Abba’s heart. We’ve seen many illustrations of this in the aftermath of hurricanes, earthquakes, and tornadoes.

To offer mercy rather than just retribution is what our Lord does best. We can trust he is not out to get his share, but instead is sharing with us all which is his. He is not seeking his own, but is seeking our best.

In the midst of the havoc of the storms of our lives, he is not exacting retribution, but is holding us and carrying us, and offering us his strength, comfort, and provision. He puts people in our lives who can and will lift us up, encourage us, and help us to carry the burdens which are too heavy for us.

I would imagine if we were more occupied with serving and loving one another and less with indulging ourselves, we might not only be happier and more at peace, but we might also be a lot more financially sound. If we were more involved in blessing one another rather than using one another, we might find ourselves in an entirely different world.

We can go along and live as we are or we can live as though the kingdom of God has come to us in Jesus. We can live now in the truth of who we are in him. But we must realize this society is uncomfortable with and resists such truth while at the same time embracing the beauty of the possibilities it might brings.

To live in love and debt-free requires a radical life change I’m just beginning to get my mind around. But God-willing, as we embrace Christ’s debt-free life we will be catalysts for change within our debt-laden society.

Abba, forgive us our refusal to live free of all our debts, personal and financial, toward you and one another. Give us the courage to swim upstream against the current and to daily offer grace to one another in and through Christ our Lord. Amen.

Owe nothing to anyone except to love one another; for he who loves his neighbor has fulfilled the law. Romans 13:8 NASB